The Impact and Challenges of Digital Currency on Traditional Financial Systems
Digital currency,as an important innovation in the field of financial technology in recent years,has changed people's payment habits and has also had a significant impact on the global financial system.From Bitcoin to Ethereum,and then to the exploration of central bank digital currencies(CBDC)in various countries,the development of digital currencies has attracted widespread social attention and academic research.However,the anonymity,decentralization,and global liquidity of digital currencies pose new challenges to the operational mechanisms,regulatory frameworks,and financial security of traditional financial systems.In view of this,the paper discusses the in-depth exploration of the specific manifestations of the impact of digital currency on the traditional financial system,the main challenges it facing,and possible response strategies,aiming at providing theoretical and practical guidance for the adaptation and development of the financial system.
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